Capital One Financial Corporation

Review: Good Evening,

approximately 3 weeks ago I noticed that my pre-authorized payments to my credit card had ceased for some reason and could not figure out why. Upon contacting Capital One, I was placed on hold for approximately 45 minutes, which after an automated messege stated that they are experiencing higher than normal volumes, if you leave a voicemail and contact number, a rep would contact you back. I took this option. After 3 weeks I had not heard back from the company. I called them back upon recieving my bill stating I was behind and failure to pay the minumum balance would result in credit score damage. Totally understandable. I spoke with a rep who was unabel to assist with the issue, and was transferred to a [redacted]. while waiting for the [redacted] I noticed that my rates had increased from 9.99% to 19.99%. Upon speaking with the [redacted] and going back and forth I was advised that although he could up-com my complant to a [redacted], it would "do me no good" as the only way to have the rates reverted would be for my finacial institution to send them a fax admitting fault. I not as concerned with the rates as I was cancelling my card with them. Further to my issue, I read in bright red writing that if I had paid the minumum balance on my card by January 7th 2014, I would avoid credit score damage. Upon inquiring this to the [redacted], he stated it was not true and there there was irreparable done to my score. I advised him of the writing on the bill stating the above, and was further advised that it was not the case. At this point I could not deal with him any longer as we would have gone all night without a resolution.

Upon applying for a new card with my current financial instution, I was advised that there was indeed damage done by Capital One. I am requesting your assistance in this matter for a resolution as the [redacted] stated that I could talk to the [redacted] and [redacted] of the company and they would not revert anything without my financial instution admitting fault.

In addition, I inquired to the [redacted] as to when his rate hike went into effect. He stated it was on the 12th of December. I had placed my origonal calls back in the end of November. Upon advising the [redacted] of the above, he coud not answer the question and stated that it was my resposibility to keep track.

I understand its my resposibility; however I paid my bills, intrest rated and card fees. I expect a multi-billion dollar Corporation to at least get back to their customers in a sufficent amount of time. I do not feel I should have to chase them around canstantly calling them as they had been advised to call me back as soon as possible, and relating to the possibility of missed payments, and confirmation that they did/did not recieve them.Desired Settlement: I am not looking for any financial compensation; however I would like my Credit Score adjusted. I am not concerned what intreste rate is left as I have left them as a customer. In addition I would like to request a signed apology from the company for their conduct and lack of customer service.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: On 10/02/15 I made a payment to Capital One in the amount of $25 and received confirmation that this was paid. On Monday 10/5/15 I was told the money was never taken from my account right away and now there are insufficient funds, however I still have confirmation that this was paid. I called and spoke with several reps who stumbled over every possible excuse as to why the money was not taken out, even though I have confirmation that it was. I am willing to pay every cent other than the $25 that they now say I still owe because the money was not taken out right away even though my confirmation tells me otherwise. Capital One should be held responsible for the $25 as I have no control over their internal payment systemMy complaint concerns: a Credit CardDesired Settlement: To have the $25 removed from my statement

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: Being defrauded for charges made on an existing credit card in which I did not authorize and Capital One is outrightly refusing to stop the said company [redacted] for charging my account in coordination with [redacted] and [redacted] and [redacted] .FYI [redacted] the alledged company is non existent and is npot even a recpognized business on the Revdex.com lists.My complaint concerns: OtherDesired Settlement: Billing readjustments and the unauthorized charges be written off my account .

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Sincerely thankful .

Review: I had a [redacted] with this company for several years. I paid it in full on December 2, 2013,and asked them to cancel the card. They responded, on January 1, 2014, that I owed them $1,67 in interest fees, and another $86.39 for a service that I did not authorize.Desired Settlement: DesiredSettlementID: No settlement requested - for

No settlement requested - I just want them to stop badgering me!

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I just received a collections notice because someone took out a credit card in my daughter's name when she was SIX. How did Capital One not notice that the SSN and birthdate belonged to a six-year-old?My complaint concerns: a Credit CardDesired Settlement: I want the credit card balance to be wiped clean and everything removed from her credit.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I just checked my credit report again & again was dishearten. we are trying to buy a home & when they checked my credit they denied me because of this inaccurate account with Capital One. I paind this account already after I was promised removal in return for payment. Later I called Capital One & inquired why this account was still on my report & I was told "[redacted], we cannot remove the account because that would be illegal". I explained to the I was promised that in return for payment & was told "either they lied or you are lying".This account is actually preventing us from buying a new home that we can afford & thus preventing us from putting food on the table or a roof over my families head. This account is completely inaccurate & those inaccuracies should not be showing on my credit report. I disputed this account on my credit report with [redacted], [redacted] & [redacted] approximately 45 & 90 days ago as well and yet they still remain. This inaccurate negative reporting has resulted in repeated denials of credit, loss of oppurtunity to receive credit, economic loss, damage to my reputation, loss of self esteem, invasion of privacy, interference with family life & emotional distress.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Capital One [redacted]- second request- this account is showing late & was a billing error. The account was never paid late & your bureau is allowing false information to remain on my credit report. REMOVE LATE PAYMENT IMMEDIATELY.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I have a credit [redacted] and [redacted] with Capital One. My due date for both credit cards are on the 19th of every month. I have a mobile capital one app on my cell phone that I use to make and authorize my payments to be paid from my checking account. I logged in my capital one mobile app and paid both my [redacted] and [redacted] balances in full at 6/19/15 @ 11:20 AM eastern standard time. I later logged into my account at 10pm on the same date and noticed my [redacted] account payment was recorded and paid but my [redacted] account showed no payment being process at all. I called Capital One the same day and spike with a customer service representative to find out why one out of my two credit cards was paid on the 19th of this month. The rep placed me on hold to review the account stating it might be a glitch in their system. The rep came back to the phone and stated that he will remove the $25 late fee and requested that we submit the payment again for the [redacted] account. I asked the rep again why one credit card was paid when both accounts was submitted and authorized to pay both of my credit cards. His response was that he only shows the [redacted] being submitted and not the [redacted]. I explain to him both accounts are linked into my capital one when I login to the mobile app and both accounts share the same due date and am absolutely positive that I submitted both credit card to be paid on 6/19/15 at 11:20 AM. He said he couldn't do nothing else and that capital one will consider the payment being mark late for the [redacted]. I requested to speak to a supervisor and was placed on hold for 10 mins. While waiting on hold I logged into my capital one mobile app and submitted for the [redacted] credit card to be paid again balance in full. The supervisor came on the phone Kaylee. I explained the situation and my husband also came on the phone and explain the situation. The supervisor said she was not able to do nothing about the payment be mark late with capital one.My complaint concerns: a Credit CardDesired Settlement: I want Capital One to reflect my June payment on time with my [redacted] account because I paid both of my credit cards on the same day when I logged in my mobile app the morning of 6/19/15 I should not be penalized for any of their system errors that they may have and claim that my payment was late when it shows one of my credit cards was processed. Both of them should have been processed because I gave authorization to both accounts when I logged in I'm disappointed in capital one and also the supervisor that took the call because she tried to find every excuse to say that I made the payment late when in fact that I didn't. I had these credit cards both for a long time and both are due on the same day. I paid full balance on both credit cards. My minimum payment for each credit card was $25. Why would I pay over $600 on my [redacted] credit card and not pay my [redacted] when the minimum payment for both credit cards was $25. My next step is to file an attorney general complaint

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Review: In April 2015, my credit card account with Capital One was compromised when it was hacked into. The person who had gotten access to my online account added themselves as authorised user to my two credit cards and made online purchases with the company named [redacted]. On my billing statement, I noticed charges from [redacted] which were clearly not mine, since I have never had any association with that company and definitely never ordered any of their services or products.

I filed a dispute with Capital One, and their Fraud Department Specialist explained to me what had happened to my account. They closed down my two accounts and gave me new account numbers along with new credit cards.

One account was managed to be cleared up, while the other was still being billed recurring charges by [redacted].

This has been a nightmare for me and I have been dealing with it since May 2015. According to Capital One's policy I am not responsible for fraudulent charges to my account, yet their Fraud Department is unable or unwilling to resolve the issue. I have been calling Capital One regarding this issue two, three times every month, and every time I am being told that the charges - four charges of $109.99 each totalling $439.96 - will be credited to my account within a few days. Until today this has not happened nor has it been resolved. On the last few occasions I spoke with them I was told that I need to speak with the person in charge of my case - Matthew at [redacted] I have been trying to contact Matthew on several occasions but he is never available at his office. I have been leaving messages for him since early November 2015, yet he has never responded to me.

During a few of my calls speaking with the Fraud Department supervisors, they all reviewed the claim paperwork submitted by [redacted] and noticed that then information to where they supposedly send their orders does not match any of my information. I am a victim of fraud and this is unacceptable and it has to stop.My complaint concerns: a Credit CardDesired Settlement: As stated above, I have never had any contact, nor done any business or made any orders from the company [redacted].

The four chargers of $109.99 each totalling $439.96 are not mine and I am a victim of fraud. Capital One needs to acknowledge that and finally resolve this case which has been going on since may 2015 and has been very frustrating for me.

I am in no way going to be held responsible for somebody's fraudulent acts by paying for their fraudulent charges.

These charges of $439.96 are not mine, and I am in no way intending to pay for them.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have continuously been in contact with Capital One fraud department and have spoken to over a dussin fraud specialists since I discovered the fraudulent charges on my account in May 2015. Each and every time, the fraud department managers ensured me that the matter has been resolved and that the four fraudulent charges - $109.99 each - will be credited to my account within a few days. Indeed the charges were credited, only to be charged back again by the company involved in the fraud case - [redacted]. In September 2015, a fraud department manager I spoke with, supposedly called [redacted] while asking me to hold, and personally resolved the issue, so I was told. The charges from [redacted] stopped, but Capital One failed to credit the four fraudulent charges on my account. Since then the case has been transferred from the dispute department to the fraud department back and forth, and the representatives have been telling me each time I called that the matter has been resolved and I will see the four fraudulent charges credited to my account within a few days.

It is not satisfactory to me to, at this point, several months after the fraud case has been resolved, tell me that the case is still being investigated. Only a few days after I filed my complaint with the Revdex.com, Capital One credited my account with three of the four fraudulent charges. I do not understand why the remainder one charge of $109.99 was not credited at the same time, and until today I have not received any information regarding the reason for this from Capital One.

As a fraud victim I find it very frustrating to have to be dealing with this issue for over 9 months, and having to turn to the Revdex.com in order to get help with getting this issue resolved once and for all. I feel as I have been misled by Capital One fraud department supervisors who have been telling me that the matter is resolved each time I called them.

I will find it satisfactory once I receive the final credit for the one remainder fraudulent charge of $109.99 that is still showing on my account.

Regards,

Review: Selected a credit card from their list of cards that said 0% financing for the first year and a lower APR after then what they gave me. Selected "Classic Platinum" and they changed me to "Platinum" so they started charging interest. This was not a mistake on my end I knew which card to click apply for.Desired Settlement: I'd like to see my card changed to the one I applied for and have the yearly no interest start from that time.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]Regards,[redacted] They say I received the percentage rate (and offer) of the card applied for. This is not true. While this could happen accidentally it is unlikely that both my wife and I somehow BOTH applied for the wrong card by accident.

Review: I became administrator of my uncle's estate after he died in early 2014. Once I received the legal paperwork, I contacted Capital One to close out his accounts and transfer the funds to his estate account. My initial phone communication with the bank was in mid August. I was given the name of the branch manager to deal with and instructed to email him the death certificate, court paperwork and an explanation of the situation. I emailed and mailed the requested documents on August 21, 2014. After a few weeks went by I called to speak to the person who was supposedly handling my uncle's accounts. In one day I made 5 calls to the bank only to be told the person I was dealing with had transferred to another branch. Nobody I spoke to could contact him to retrieve what I had emailed and mailed. It took several weeks to determine they could not find the documents. I then was told I had to deal with yet another branch and a different manager. When I called that person, I had to explain the situation over again and again could not be put in direct contact with the person I was supposedly dealing with. I then sent the documents for a third time and asked to be contacted by the manager. I received an email asking for a copy of my drivers license to allow her to cut a check and send it to me. I did that and waited another few weeks expecting a check was coming. When nothing arrived I called and asked for the manager. I was told she was busy and at one point I was "inadvertently" hung up on. I called back and the woman I was trying to reach answered but said she was too busy to talk to me. I would not accept that premise so she said she now needed signature verification from the bank where my uncle's estate account is. She contacted them and they called me and said they cannot provide such information to another bank. At that point she requested a letter from me AGAIN explaining what I was trying to accomplish. It took well over 3 months to close the accounts. The employees mislead me over and over.Desired Settlement: My uncle's name was [redacted] The branches I was dealing with were in New York City. I feel the employees I dealt with should be made aware that dealing with customers in a rude, dishonest and condescending manner is not acceptable.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID 10368433, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].

Regards,

Review: I received an unsolicited credit card from Capital One alleging that I had applied for it.Complaint concerns: a Credit CardDesired Settlement: I have received a number of other unsolicited credit cards from other companies, and the [redacted] has opened an identity theft investigation on my behalf. I want all my information at Capital One to be deleted and for them to stop contacting me.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I am in the process of trying to buy a house. While in the process the bank had to look at my credit report, needless to say because of this inaccurate account with Capital One Auto Fin. I can't buy my home right now. I looked through my files and I can't find an account with this company or account number. I have written to them at 45, 90 and 120 days and asked them to send me documentation of 100 % acceptance or approval of this account, to date they have not done so. At this point this being on my credit report is preventing me from buying a home. I have repeatedly disputed this and it still on my credit. I have even gone so far as to hire someone to help me fix my credit and it's still there. This has caused me a great deal of emotional distress and I would like it taken care of.Desired Settlement: I consider this defamation and want this removed from my three credit reports immediately.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: In January of 2016 I was e-mailed by Capital One to provide feedback about their service and give an online review of my experience using their credit card. Also to provide information about the service I have received from them over the many years I've had their credit card. I thought this would be the perfect opportunity to give an honest review of their service and product. I was sadly mistaken. The review I wrote was brief and did not contain any foul language, defamation, or other rude commentary. I wrote exactly about the experience I have had with Capital One over the years, which has not been a good one at all. Apparently my review got moderated because Capital One cannot handle negative criticism about their service. Here is the excerpt from the review they refused to post:

"I thought this would be the perfect card to get to rebuild my credit, and I also knew that it wouldn't happen overnight. Alas I've had this card for nearly 5 years now and they've never increased my credit limit above $300, which makes it impossible to make any large or even medium sized purchases. I have requested credit limit increases, but Capital One refuses to do one manually and always insists I wait for the semi-annual automated system to decide whether or not I'm eligible for a credit increase.As I said, it's 5 years later, I've never missed a bill, in fact most times I have my balance paid in full because it's such a low limit. The credit limit issue coupled with the $79 annual fee, which is ridiculous given the insane interest I'm being charged on top of it. To put the icing on the cake, even if you want to make a bigger purchase than $300 and you put an extra $700 on your card to make a $1000 purchase - guess what - you can't! Capital One will only let you use $300 (or whatever your credit limit is) a maximum of once every 48 hours, so that extra $700 you put on to make a purchase, ISN'T EVEN USABLE!"

I was being honest and they refused to post this, likely to not look bad.My complaint concerns: a Credit CardDesired Settlement: I want them to post the review THEY requested me to write about the service I received from them over the duration of having their credit card and dealing with their customer service - which is horrible. As far as I'm aware under the Consumer Protection Act, consumers have the RIGHT to access information about products and services they may be interested in. It is the consumer's RIGHT to be informed and Capital One is curtailing this by purposely refusing to post reviews that contain pertinent information consumers could use to make an informed decision about whether or not to subscribe/purchase their product/service. This is also censorship, which I think it's illegal to censor someone with an opinion, especially related to a product. I will not be satisfied unless Capital One is pressed to post my full review that they requested.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I was sending a [redacted] Money order and did not reliaze that my credit card was going to charge me a cash advance fee for the transcation. I thought the credit card would be charged as a credit or purchase not as a cash advance. I was then charged $10.00 for sending money not by [redacted] but by my credit card. I would like a refund of $10.00. I spoke with your employees at the credit card company and they were rude and wasted my time basically blaming me or [redacted] for the fee but they were the ones who charged me. I was only doing the transcation on my credit card to offer protection and the credit card offered me no protection only a fee.Desired Settlement: Refund of $10.00 fee that was charged by my credit card.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: When I initiated my loan process I stated to the loan officer that I wished to pay my loan every two weeks in order to pay my loan off quicker and pay less in interest. At the time that I stated this the loan officer never said it wasn't an option and continued on with the loan process. Capital One has a recording of me stating my wishes. Capital one has refused to allow me to pay my loan every two weeks and they also refused my request to be reimbursed my closing costs and appraisal fee.My complaint concerns: a Home LoanDesired Settlement: I would like capital one to honor my request to pay my loan every two weeks or reimburse me all fees associated with my loan.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I had a secured credit card with capital one. I have been making payment arrangements with capital one who says on their website - if you need several months to make your payment - call us we can help. I have called and made payment arrangements - three payments at a time for the last month or so. at no time did they say my card was going to be closed. I even had three payment arrangements for the 28th, September 11, and sept 25th $25 each. they said that they were making special payment arrangements and late payments and over the limit charges would not be charged to help me catch up. I called two days ago to change one of my payments from the 28th to the 31st of august and they said that my account was closed. this has caused me great harm as I was relying on this credit card to help me rebuild my credit so I can purchase a house. now it is closed like a charge off on my credit report. closed - and reported as a negative account which hurts my credit score. I am upset because if someone would had told me that the $25 payment arrangements were not sufficient enough and that I needed to make at least this much by this date, I would have done whatever I could to make sure I had it paid. but when I made the $25 payment arrangements and no one said anything, I thought since I was making regular payments that my account was ok. someone should have said something to me instead of letting me believe that my payment arrangements were making a difference. now I have one more terrible mark on my credit report that hurts my score even more. instead of my plans to bring the balance down to 30 percent of the balance to help my credit improve, I am now worse than I was because I was not told the true status of my account over the many many payment arrangements I have been making.My complaint concerns: a Credit CardDesired Settlement: I want my credit card put back to active status so that I can make my payments and bring it current so that this card can help my credit instead of hurting my credit. I have a 2nd regular credit card that I have been making payment arrangements on as well. what is the status of this card? are you going to charge this off even though I am making payments?????? my card was closed when I had payment arrangements and have been making payments. I know all of the payments I have been making, I could not be as far behind as you say I was.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I submitted a $3000 check to a dealership, for a car, and then found out the car had numerous problems. I called the bank the next day, Saturday, to put a stop payment on the check 5/17. [redacted] at Capital One told me that it would be stopped, and that even if my check went thru, I would still get the money back subsequently, from the bank. I checked on that refund Monday and Tuesday, and 2 bank employees told me that the money/refund would be in my account at midnight that evening. [redacted], an account manager then told me that [redacted] had processed the SP wrong, and now my account was in the negative. She said the only thing I could do was go file a claim in a branch, against the dealer and attempt to recoup my $ that way. [redacted] told me the same thing, and worked with me on the claim - she said I had a good case, and we could work together to fight the dealer, since he had the car back and that did not look good for him. However, the dealership was unresponsive - [redacted] the owner was evasive. So then the bank said I had to go to small claims court to get my $3000.

The bank began to back off more and more and provide less help; they avoided responsibility, even though they knew they had messed up. I pursued the matter further, and spoke with an Executive Manager 6/23--i believe his name was [redacted]. He again avoided any blame, and indicated that the bank had done everything they said they would - and processed the check the only way they could; which was misleading and grossly insufficient. He did not even admit as much as the other Account Mgrs. in saying they made a mistake!Desired Settlement: I want the bank to give me $1000 for the hardship I had to go thru in purchasing that car. I had to go pay for the rest of the car, since I could not recoup my $3000. So I have a car that needs numerous repairs, and has cost me. The bank was negligent. I also want the bank to formally admit that they mishandled my case.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[redacted] from the bank did not address the fact that her employee told me for certain that I would not have to worry about my check going thru. The employee whom I have referenced before, [redacted] I believe, told me that even if the transaction did go thru, the money would be returned to me. There must be some sort of provision for me regarding the error that the bank made and broken promises. Why have they extended no customer service here? They continue to deny any responsibility or fault in the matter, and that is despicable. Furthermore, I did not ask for $3000 back, but for $1000 since I have already paid for the car. The bank owes me something for the lies and trouble they put me thru.

Regards,

Review: I sent in a payment of [redacted] on JUNE 18, 2013. ON AUGUST 19, 2013 THEY REVERSED MY PAYMENT. I CALLED THEM ON AUGUST 20,2013 TO FIND OUT WHAT WAS GOING ON. THE CUSTOMER SERVICE REP. THAT I TALKED TO TOLD ME THAT IT WAS MY BANK AND THAT THE BANK DID NOT LET MY PAYMENT GO THRU. I CALLED MY BANK AND ASKED ABOUT THE PAYMENT, THE TELLER TOLD ME THAT THERE WAS NOTHING SHOWING ON MY ACCOUNT WHERE A PAYMENT HAD BEEN REFUSED. I CALLED [redacted] BACK AND TOLD THEM THAT MY BANK SEEN NOTHING WRONG. THE [redacted] REP ASKED ME TO FAX A COPY OF MY BANK STATEMENT TO THEM SHOWING WHERE THE CHECK HAD CLEARED. SO I DID. THAT WAS ON A WEDNESDAY, THE NEXT FRIDAY THEY ASKED ME TO SEND ANOTHER COPY OF MY BANK STATEMENT THAT SHOWED TWO WEEKS AFTER THE CHECK HAD CLEARED MY BANK JUST TO MAKE SURE, SO I DID. I HAVE BEEN CALLING THE [redacted] FOR FOUR WEEKS TRYING TO GET SOMETHING DONE ABOUT THIS ISSUE. EVERY TIME I CALL THEY TELL ME IT WILL BE 1-3 DAYS, 5-7 DAYS 48-72 HOURS. NOBODY HAS GIVEN ME ANSWERS. I HAVE TRIED TO BE NICE AND ALSO BEING UGLY AND STILL NO RESOLUTION.Desired Settlement: DesiredSettlementID: Refund I WOULD LIKE THEM TO FIND MY PAYMENT AND PUT IT BACK ON MY CARD AND TO TAKE THE INTREST THEY CHARGED ME OFF OF MY CARD.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: This is a copy of the note I sent to Capital One:

I feel very much deceived by your milage plan. It is NOT a milage plan. It is a money plan and not a good one at that. As an example, to fly from Spokane to Seattle, about 300 road miles, would cost about $100 or about 10,000 miles by you plan. How close is 10,000 miles to less than 300 miles? This allong with taking 3 or 4 calls to get you to send a paper statement to us leads me to believe that there are better ways to go!

Capital One claims to give 2 miles per dollar spent using their Signiture Credit Card. But it is absolutely a false advertizement. I contacted another credit card company associated with the air lines who offers 1 mile per dollar spent. While a trip to Spokane would cost 7,500 miles to fly to Seattle, it would cost me 12,000 miles to fly from Seattle, WA. to Raleigh, NC. With Capital One, since the ticket costs about $370, it would cost me 37,000 miles (370x100). That is about 3 times the miles in comparison making by capital one giving the customer about one third a mile per $1 spent not 2miles!

The sad thing is that my wife and I have been saving our miles for about 2 years thinking our air fare would be covered, but we can't even go one way on our 58,000 miles!Desired Settlement: I guess Capital One's policy is what it is! But I feel that if they are going to claim milage that milage should be based on what is claimed by other credit card companies. Capital One clearly is not! My desire is that they straighten up their ads on milage so that they do not deceive others as they have us. Atleast state that there are distinct deferences between their milage plan with other card carrying companies

An apology would be nice.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

They didn't address the problem but skiped over it as usual at least by my experience. It took me 4 or 5 times to get Capital One to mail to us a hard copy of our monthly statement. Their reply to this problem simply stated that I knew their policy which I acknowage. Exactly what I found out when I tried to use their rewards. That's why I complained in the first place. My complaint is why do they advertize DOUBLE the miles for each dollar spent when actually it takes TRIPLE the points to travel the same distance as othetr mileage plans require. For example it takes 12,500 miles to travel from Seattle to Raliegh where my daughter lives on other plans but with Capital One it takes [redacted] miles with Capital One. Over 3 times the amount! ThereFore Capital One is false advertizing by saying twice the miles. Capital One did call me. I explained to them my problem with them. The Lady I talked to said THEY DID NOT LOOK into other plans when they set their milage but she would look into it and give me a call back. But true to the Capital One did not give me a call back!

Review: On November 3,2012 my income was reduce from over $2,000 to less than $1,025 a month, which made it difficult to pay the creditors on time. I tried but that made me behind in my mortgage and car payment. Therefore, I had to make a decision. I was not going to lose my house nor my car nor be without utilities. I wrote Capital One and explained my situation. I did receive a response, I called but I was told I could not be help because I didn't meet the guideline. I explained to the customer service representative that I was not able to make any payments. I was told again that they could not help me. I wrote another letter stating to call a number, I call only to hear the same thing. I am not trying to get out of paying my debt, but at this time I am not able to do so.Desired Settlement: I would like to request a deferment of my account until December, 2015. I would like to also request that the interest rate be lower, as well as, the over limit and late late fees be stopped. I would like to be able to have this bill paid within 7 years.

Thank you for your assistance and your cooperation in this matter.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Thank you [redacted] for your understanding in this matter and Capital One patience.